FQ investment saving ISA 2

FQ investment saving ISA 2

Usually I searched using the tools of investment websites. 

While doing my study/ research, I do use a notebook. Jotting down some notes from what I saw online. 

I started off simple. 

1. Name of funds/ stocks (equities) / trust. Be careful of very similar names. Class.  Accumulate or Income. Currency. 
2. Returns / Performance of

• 1 month, 6 months, YTD Year To Date, 1 year, 3 years, 
• 5 years, 10 years. (please kindly let me know where to find 15 years data or since launch ) Then... after a few seasons, I want to find out more.

1. What stocks are in the funds?
2. When did the fund started? 
3. Who is(are) the manager(s) & their background? (After some times, I would like to know more)
4. Fees?  10K scenario fees and after-fee 5 year total return. 
5. PE Price-Earning raio, PB Price-Book ratio, maybe PC Price-Cash ratio. 
6. I can understand the basics of candles charts. Not interested in pure technical prediction based on patterns. 

So back to the previous example of the research of Japan funds.

Just checking long term performance ranking was a good start.

But it is better to understanding what I am buying.

Excuse me for my limited knowledge. I only know the ones circled in magenta pink.

I saw in another document that 

the Lindsell Train fund even has Calbee / Kirin in its top 10 last year. 

🤣😄Ha! 

Maybe smart investors should or would research all the companies!?!?! 

Notes handwriting is usually messy, it is better to put the notes in a spreadsheet. 

(this is a screen shot of the notes I made which listing the top 10 stock holdings of some funds)

I did looked at what is Denso. 

And you can guess, the part below that table is the performance.

 

Surprisingly, 

I did the notes and charts after I had bought two of the above funds at minimum requirement. 

  

If I have find a way to automate sourcing data...

I would like to know more including

• 12-month high & low.  
• Fund size. 
• Alpha & Beta figures
• Which country the company is in?
• Sharpe ratio, Sortino ratio... 

Disclaimer: It is not an ad. I have not received any payment from those companies. I do not know those companies or managers. 

All of above are my personal study notes in my journey of having an ISA account. 

Data will be different every day or even hours, especially the numerical data. 

Japanese manga artist Rumiko Takahashi won top prize in Angouleme Festival in France

Wow! Rumiko Takahashi won a top prize from the equivalent of Oscar in France for manga & comics!

The prestigious Angouleme International Comics Festival . 

France24 , JapanTimes and various media report that, too.  Ms Takahashi looks beautiful.

https://www.japantimes.co.jp/culture/2019/01/24/entertainment-news/cartoonist-rumiko-takahashi-wins-top-prize-french-comics-festival/

In Japan, it is an unwritten code of conduct to conform, not to standout, not to be different from others...  Her stories often put the outsiders & "eccentrics" characters (and experiences) in forefront.
Inspirational!

I had watched the TV animation versions of some of her works,
“Ranma 1/2”,   Urusei Yatsura” (or “Lum” ),  “Mansion Ikkoku,   Inuyasha.

Forigners, aliens(literally), mixed race...

Of course, the stories have been well-seasoned with
humour, jokes, love, adventures, naughty things, etc,
to deliver deeper meaningful things to young people and the young at heart.

Previously, I was writing about one of her influential work Inuyasha.
The link between the various metaphoric and  esoteric concepts of light ...i
n the story and in the characters. 
The names of the two leading ladies are star lights.
The precioys gem emit lights.
 Virtues clear away darkness. 
Light of the best of human nature.
Halo. Saintly light.
https://sn-uk.blogspot.com/2018/05/inuyasha-and-light.html

Light!
And I have just found out
the different meanings lost in translations over the past two millenniums...
hidden in the ancient Hebrew language and Aramaic language,
the original languages the sacred books were written.

https://www.chaimbentorah.com/015/06/word-study-light-noohra-aramaic-or-hebrew-אור-נהר

Translations via Greek, Latin, German, English, Chinese, Japanese...
are not as good as investicating the messages in original language(s).
 
With that information in that site,
the story of Daniel and
how he got the supernatural power and answers are clearer.
He asked God to give answers through dreams.
Now we can understand ancient wisdom esoteric teaching inside the books in Bible much better. 

Seek light.

BTW,
Daniel eats plant-based diet,  fast & pray alot.

Japan Centre London quick shopping

Since the coach will depart at 17:10/17:15, I had got to be quick.

There was a queue for the soft white bun with sweet red bean paste.
OK, I skipped that this time then.

I  went to the freezer/fridge to get natto.
There are products of 3 brandnames.
 I chose the orangy coloured one.
The ingredients seem slightly better.
A pack of 4.

Then I quickly walked to the back and
grabbed a few items including
Shichi-mi tōgarashi powder.

An avocado sushi pack from the food court area.

I didn't even have time to look for the Japanese free paper/magazine for local Japanese.

Queued &  paid.
Wrapped the natto well as I had  a long way to go.

Forgotten to take photograph of the natto.

But same as the one I bought last time.

There are the Santander bikes for rent outside Japan House.
But I am not sure there is dock for them near Tottenham Court Road or not.
So I skipped that.

Found my way with Google map back to Tottenham Court Road on foot. 
Walked through part of China Town.

No time to shop for the other stuff I need.
(This time I just very quickly grabbed
1 soft sweet flat sphere form of snack 
with peanut, desicated coconut  花生糯米糍from a bakery.)

Walked passed famous Foyle Book Shop.
(see the map in previous blog entry)

Arrived in time.
Enjoyed my sushi on coach.

The coach started the return journey at 17:25. Traffic jam.

Sun set photo taken during the loo stop.

I got off the coach at 20:34.

Thanks for the day, dear God.

  : ) 


 Part 1
http://sn-uk.blogspot.com/2018/09/japan-house-london-visit-part1.html
 Part 2
http://sn-uk.blogspot.com/2018/09/japan-house-london-visit-part-2.html
 Part 3

http://sn-uk.blogspot.com/2018/09/japan-house-london-visit-part-3.html

Japan House London visit part 3

Then I went up to the ground floor and browse around the museum-like shop...

Hand-made brooms.

Products from different companies.

Then I see more of the works by that copperware/metalware studio.
(small exhibition of Gyokusen Do)

A bigger pot next to this display has  price tag in 5 digit of GBP.
But it is a craft work or even art with copper, silver, gold.

A book of the craftsmaster's works

For more details of his work and the studio:
 http://www.gyokusendo.com/library/mokume
That is from the website of that copperware studio.

It is nothing like my original itinerary of the day trip,
but I really appreciate it ---
as I have been yearning for art-craft-design activities.
 ( well, I like glass and metal )

Due to the time limit, I found the bus stop for bus number 9.
This bus goes pass Kensington Garden which is near the Kensington Palace,
and Hyde Park. I should visit them next year or so.

The bus also went pass Royal Albert Hall.



 Seen while I was on bus...
Didn't see the name.


Got off the bus at Trafalgar Square.
Walked pass the Canada House, National Gallery.

National Gallery & St.Martin-in-the-field church.


My 2nd target today -- Japan Centre.
I wanted to get some food grocery there.


Part 4
http://sn-uk.blogspot.com/2018/09/japan-centre-london-quick-shopping.html

Part 1
http://sn-uk.blogspot.com/2018/09/japan-house-london-visit-part1.html
Part 2
http://sn-uk.blogspot.com/2018/09/japan-house-london-visit-part-2.html

Japan House London visit part 2

It’s my first time to Japan House (near High Street Kensington station) since its opening this year.

It is a museum-like shop of Japanese items of national level craftsmanship.

It is free to visit. On the left inside, it is a mini indoor garden with a tree.
It is demonstrating traditional skill of supporting tree trunks with wood & ropes.

Browsing around the ground floor area is delightful.

I didn't visit the authentic Japanese restaurant upstair.


   Though I can not attend demonstrations / talks by the top Japanese professional craftsmen due to timing/distance, it is still nice to see a small exhibition - of the metal works by one of Japan's national cultural heritage - copperware craftsman 目玉宣夫* of, &, 玉川堂 (Gyokusen do).

     He & his work won a silver award in 1910 British-Japanese exhibition in London.
It is impressive that the Japanese keeps the diploma paper well and after 2018-1910 = 108 years later they brought the diploma back to England to be part of the exhibition.

    I knew their different workshops were and are full for these past 2 weeks and that day.
(The email reply I got said so)  Still, I tried to go in to observe the workshop.
I tried to get on the walk-in waiting list.  They have interpretors.

     The Japanese craftsmen of 玉川堂(Gyokusen do) travelled from Japan to UK.

The staff took me to pay and then I joined in.

    Step by step guides and examples.

Tools and materials are provided

Impressed by their professionalism.
They take their craft & craftsmanship seriously. The organisers are good to arrange such cultural events for a nominal fee only...

      Grateful for God's arrangement to let me enjoy a mini copper workshop  headed by a professional craftsman and manager/boss (?)  (They were cousins and related to the craftwman mentioned above)  from Gyokusen Do who flew from Japan.


Back to Part 1
http://sn-uk.blogspot.com/2018/09/japan-house-london-visit-part-1.html

Part 3
http://sn-uk.blogspot.com/2018/09/japan-house-london-visit-part-3.html

Part 4
http://sn-uk.blogspot.com/2018/09/japan-centre-london-quick-shopping.html

Japan House London visit Part1

My coping strategy is usually fill my days with adventure of some sort.
A few weeks ago I booked a coach day-trip to London. 

In the morning it rained and have traffic jams along the way.

Arriving late in London Tottenham Court Road near the Planet Organic.
I walked towards Goodge Station having walked passed places
 where I can see Japanese food .

Usually I would have spent at least half an hour in Muji and maybe longer in Planet Organic.



(screen captured from google map )


(need to use underground route map)

Oops!
I have forgotten to bring my Oyster card
(stored value card for London public transportation)

With the self-service ticketing machine,
after checking how much it is to get return ticket (almost GBP10)
and how much it is to get a new Oyster card (GBP5),
 I bought a new card,
with extra GBP5 to store in it. (enough for the journey I need)

Destination : the nearest station : High Street Kensington.
(Yeah , Kensington, but that is a big area)

Well, I picked up an underground route map ...
and still lost some time inside them maze!!

Need to be careful which way each time you find a platform and get on a train.

Anyway I got there.

Walked passed Marks & Spencer and it's easy to find.

Part 2
http://sn-uk.blogspot.com/2018/09/japan-house-london-visit-part-2.html

Part 3
http://sn-uk.blogspot.com/2018/09/japan-house-london-visit-part-3.html

Part 4
http://sn-uk.blogspot.com/2018/09/japan-centre-london-quick-shopping.html

ladies, choosing pocket diary ?

This year I have several. Some were gifts.
How do you choose yours?

I have been using one design from the same design team for most of the years.

When you choose computers, camera, mobile phone/cell phone, etc,
would you use some professional websites'
interactive side-by-side comparision of product features/specifications
to narrow down your choices?

I had used Fancl's HanaNoTeChou Flower Diary in 2006, 2007, 2011, 2012.

In some years, I have also used MassMutual Insurance Company Hong Kong pocket diary,
Sun Life Financial (Hong Kong) pocket diary. They are more for business persons. Lots of pages & informations. A bit on the heavy side. 


!!     To designers & publishers,
please notice the hand sizes of females
if you want to steer your products towards female consumer market..
Ergonomics. Body measurement.
Please also note the size difference in
Oriental females &  Western white females.
 say... the  UK size 10 vs UK size 16 ?!


After much comparison...
here I share a big wide table ...

TYPE of Diary	Pocket Diary / Briefcase	Pocket Diary	Pocket Diary	Pocket Diary	Pocket Diary	Pocket Diary	Pocket Diary	Pocket Diary / Briefcase	Home Use	Student / academic	Student / academic
Country	UK	Japan	Japan	Japan	Japan	UK	Japan	Japan	UK	UK	UK
Organisations	Gilt Edged Promotion Ltd, UK	FANCL Japan	Daiso Japan	Daiso Japan	FANCL Japan	Paper Rose /  Robert Frederick Ltd.	Daiso Japan	Midori Japan / DesignPhil Japan	National Trust	The Works	? Distributed by H&O in Birmingham, UK
Diary	Gilt Edged Promotion  2017 diary	Fancl -Hana No TeChou (Flower Diary )	Daiso Schedule Diary .	Daiso A6 Diary	Fancl -Hana No TeChou (Flower Diary)	Paper Rose Diary	Daiso Monthly Schedule Book	Midori Diary - Professional	National Trust Engagements Diary	Academic Calendar	Academic Diary  Mid- Year
Series	Senator 15 months	Monday version. There is also Sunday version.	No.15. Japanese style pattern; floral.	A6 Diary girl -no.21, Menina		Spirit -Fine Art Collection - Francesca	Floral	Business/ professional	/	/	/
version	2017	2017	2017	2017	2016	2016	2015	2014	2017	2016 -2017	2015 -2016
Period	13 months	14 months	16 months	15 months	14  months	12 months	18 months	14 months	12 months	12 months	12 months
Start	2016.10.03	2016.11.28	2016.10	2016.10	2015.11.29	2015.12.28	2014.10	2013.12	2016.12.26	2016.08.01	2015.07.27
End	2017.12.31	2017.02.04	2018.01	2017.12	2017.02.04	2017.01.01	2016.03	2014.12	2017.12.31	2017.07.31	2016.07.31
Dimension Type		Slim	Slim	A6	Slim	Slim	Slim			A5
Width, w sleeve	10.3 cm	8.3 cm	10 cm	10.7 cm	8.3 cm	8.5 cm	9.7 cm	12.5 cm	13.5 cm	16.2 cm	15.2 cm
Length, w sleeve	17.3 cm	15.3 cm	18.5 cm	14.9 cm	14.3 cm	16 cm	14.8 cm	21.3 cm	17.5 cm	21.5 cm	20.9 cm
Thickness total	1.5 cm	0.8 cm	0.4 cm	0.5 cm	0.8 cm	1.1 m	0.5 cm	0.8 cm	1 cm	1 cm	0.5 cm
WEIGHT	160 g	100 g	75 g	80 g	100 g	120 g	80 g	180 g	200 g	200 g	160 g
Bound	Spirolux	Section Sewn	Saddle	Saddle	Section Sewn	Section Sewn	Saddle	Section Sewn	Spiral, coated metal	Section Sewn	Spiral, metal
Language	Englsih	Japanese	English & Japanese	English & Japanese	English	English	English & Japanese	English & Japanese	English	English	English
Pages	180	160	64	64	160	156	80	100	110	132	128
Paper colour	cream	white	white	cream	white	white	white	cream	white	white	white
Sleeve	YES	YES	YES	YES	YES		YES	YES
Sleeve feature	card slots	pen holder, pocket			pen holder, pocket
Sleeve material	Synthetic material. Smooth. Thick.	PVC - transparent, light weight	PVC - transparent, light weight	PVC - transparent, light weight	PVC - transparent, light weight	Hard cover	PVC - transparent, light weight	Synthetic Material
Cover Graphics	Embossed with  a company name of Charcroft Electronics	Photo image of colourful Ranaculus flowers - double flower type in a glass vase.	Illustration of Chrysanthemum of 4 colours on white background	Illustration in pastel colours: girl with present and text: "The day when every day is new and fun" on white background	Photo image of roses on light blue background	Illustration of abstract floral	Illustraton of abstract floral patter in pastal colours and gold. Title text in metalic gold.	/	Close up colour photo image of Agapanthis flowers.	mocking illustration of Scrabble.	Illustration of 24 colourful  watercolour circles on semi- transparent background
Cover Colour	Dark blue	Multi-colour	Multi-colour	Multi-colour		Blue, dark blue, white,  purple		Almost black with leather texture	Mainly green, purple, white	Dusty colours	Multi-colour
Cover Material						Cardboard. Hard cover.				Cardboard. Hard Cover.
Content: Number of ink colours for main body	2	2	2	2	2	1	2	2	2	1	1
Year Planners	Good	Good	Good	/	Good	/	/	Good	/	Grey boxes	Too small to write
Week start	Monday	Monday	Monday	Monday	Sunday	Monday	Monday	Monday	Monday	Monday	Monday
week view	one week on two facing pages	two weeks on two facing pages	/	/	two weeks on two facing pages	one week on two facing pages	/	/	One week	one week on two facing pages	one week on two facing pages
Month view	as tiny inset on Sundays	Month view on two facing pages; also as inset in weekly view.	Month view on two facing pages	Month view on two facing pages	Month view on two facing pages; also as inset in weekly view.	/	Month view on two facing pages. With next month calendar as small inset.	Month view on two facing pages	/	/	/
Calendars	2016, 2017, 2018	2017, 2018	2017, 2018	2016, 2017, 2018	2016, 2017	2015, 2016, 2017	2015, 2016	2014, 2015	2017, 2018	2017 tiny on every facing pages.	2016 Jul to Dec, 2017
Space Daily	thin ruled lines	plain, hint for 4 parts	plain box	plain box	plain, hint for 4 parts				plain	Plenty. Ruled lines.
Moon phases	YES									NO	YES
week number	YES					YES		YES		YES	YES
International Holidays table	YES							YES
International Holidays	some									some
Next Year Planner	YES	YES								YES	YES
Personal info section	Full page	bottom corner near the end.			bottom corner near the end.	2 pages	Last page	Almost last page.
Note paper	ruled	different styles & sizes, included traditional, perforated, etc.	22 pages ruled	30 pages ruled.	different styles & sizes, included traditional, perforated, etc.	5 pages	26 pages, checkered in fine light grey lines.	17 ruled pages at back, plus 2 ruled pages after each month.		1 page	6 ruled pages, 1 blank page.
Special	Spirolux system: 1- users can remove pages if needed to. 2- open flat.	- Positive quotations on  week view pages.  - Holidays have pink background colours.  - Birth stone info on month-  view pages.			Positive quotations on month-view & week-view pages		Most spaces for writing are subtly checkered		Photos on the right hand side pages.
Holidays list	YES	YES			YES			YES		YES
Festivals list	YES	YES
Lunar Calendar 24 key dates		YES			YES
age/year list #		YES			YES
Useful Tel	YES	YES			YES			YES		YES	YES
Emergency info		YES			YES
Conversions	YES	YES			YES	YES		YES
world map	Yes							Yes
National map	UK. colour.		Japan , with prefectures					Japan
Other maps	YES
Capital map	YES							-
Rail map of Capital	YES							YES
Rail maps of major cities in that country	YES							YES
Capital Motorway/ Highway map	YES
Time zones	Yes							Yes
International holidays	Yes							Yes
IDD codes	Yes							YES			YES
Contacts/ Phone book	4 pages	optional booklet attachment	/	/	optional booklet attachement	10 pages A-Z	6 pages	2 pages	2 pages	6 pages	/
Project Planning								YES
To Do list / checklist		Spaces	ruled spaces	Monthly	spaces		6 pages	Various
Notable dates	YES	YES	YES	/	YES			YES		YES	YES
manner/etiquette/social norm		YES	some		YES
Health/ personal care		Food. Exercises. Grooming/style, etc.	Health info of reflexology.		Recipes, exercises, etc.
Other pages / info	Travel info, Birth Stones, Anniversaries, Various useful numbers	Emergency packing checklist, Birth Stones, Anniversaries. Fav shopping list….	Inland postage in Japan.		Fung Shui, anniversaries. Fav shopping list…	Birth Signs horoscope info. Anniversaries. Geometric formular. International paper sizes, spaces of useful contacts next to personal info.	Year Plan with different realms			Time-tables, Deadlines/ exams	Time-tables, Deadlines/ exams. Travel Info. Funding organisations, etc.
Extras		Stickers & ruler bookmark			Stickers & ruler bookmark
Summary of product features removable printed sheet			YES	Yes				YES
Paper		FSC paper			FSC paper				FSC MIX paper. one side matt one side slightly glossy reflective.
Page Edge index	Tear-away type	Print on margin bleeding			Print on margin bleeding
Bookmark Ribbon		YES			YES			YES
Usage of colours in dairy	gd	gd	reasonable	ok	gd	/	reasonable	gd		/	/
Made in	UK ?	Japan	Japan	?	Japan	no  data	Japan	Japan	UK	PRC	?
Project Team or Designers		Ref info credited to various sources			Ref info credited to various sources	Francesca // Robert Frederick Ltd. UK			photos are fully credited.
Target Audience  !!	Professionals who need to travel a lot.	Females in modern cities/towns from 20s to 40s.	Females aged twenties upwords.	Females aged twenties upwards	Females in modern cities/towns from 20s to 40s.	Females	Females	Professionals in Japan & alike	General public and senior citizens	Students	Students
Comment	Professional to some extend.	GOOD. Thoughtful. . Nice size. Feminine. Practical. Well-designed	Lightweight. Simple. Casual	Lightweight, thin, simple. Not too practical as too small for writing.	GOOD. Thoughtful. Nice size. Feminine. Practical. Well-designed	Hard cover a bit heavy.	Lightweight. Simple. Casual	Professional image.	Metal spiral & heavy paper for home use. Nice photos.	Hard cover is heavy. Economical.	Metal sprial. Colourful. Economical.
My suggestions	Make a version for females. Reduce weight.	Add icons for moon phases. Make the healthy lifestyle reference section be separated & detachable. Try not to use PVC.	Try not to use PVC	Try not to use PVC	Add icons for moon phases. Make the healthy lifestyle reference section be separated & detachable. Try not to use PVC		Try not to use PVC	Add icons for moon phases.
My usage	TBC	as pocket diary	TBC	TBC	as pocket diary	due to its weight, used as notebook at home for expenses & vocabulary.	as pocket diary	as diary mainly for work life.	as notebook at home.	As notebook at home.	As notebook for Bible verses at home.
Price range	$$	**	$	$	**	$$	$	$$-$$$	$$	$	$
RRP	GBP6.35  ?	Present to customers	HKD12	HKD12	Present to customers	no data	HKD 10	forgotten	GBP 7	GBP 8	no data
Actual Price I paid	/	JPY 1000 plus postage	/	/	JPY 2000 plus postage	/	HKD 10	forgotten	/	GBP 1	GBP1
How I obtained	Gift	Bought	Gift	Gift	Bought	Gift	Bought	Bought	Gift	Bought	Bought
Where from	friend	via an Japanese auction website	sister	sister	via an Japanese auction website	friend	Aeon (Living Plaza)	CitySuper or LogOn	friend	discount shop	discount shop

* Most data refer to that country.
Most have smaller fonts. Over 50s may need reading glasses.


** Normally it is supposed to be a reward present for loyal customers
 free of charge in that country.

P.S.  I have also checked out other diaries in various shops;
 also bought Moleskins(returned). 
 Most Taiwan, Hong Kong & PRC designs are not my cup of tea.
 Too school-girly.


I apreciate international cosmopolitan functionality & also good tasteful design.